Practical tips to help guide you from financial stress to peace of mind!
Every Sunday Afternoon, you'll get actionable tips, stories and helpful information to help you take control of your personal finances and start winning with your money. Â
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Previous Issues of Simplify My Money
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Before the Holidays Get Loud, We Just Want to Say Thank You
Before the food, the gifts, the noise, and the chaos fully kick in, we wanted to take a moment to pause and simply say thank you.
Thank you for following along.Thank you for reading, listening, sharing, and showing up this year.And thank you for working on your finances, even when it feels uncom...
Dec 21, 2025
holidays
one step at a time
small wins
The One Thing That Blows Up Holiday Budgets (and How to Stop It This Week)
Every December, people think gifts are the reason their budget goes off the rails… but that’s almost never the real problem.
The thing that actually wrecks holiday budgets?
Surprise, unplanned spending.
Teacher gifts.Extra groceries.Last-minute outings.That quick Target run that wasn't quick and...
Dec 14, 2025
holiday spending
mindset
planning
saving
Your 2026 Money Reset Starts With ONE Shift (Not 20 Goals)
If you’re heading into the new year already feeling the pressure to “try harder,” spend less, or magically wake up motivated on January 1… take a breath. Because that’s not what actually changes your financial life.
There’s one thing ONE shift, that’s going to make the biggest difference for you...
Dec 08, 2025
goal setting
pull vision
take action
When Life Feels Out of Control, Don’t Try to Buy Your Way Out
Let’s get real for a second.
Have you ever had one of those weeks where everything feels like it’s slipping through your fingers?Bills stacking up.Unexpected expenses showing up like unwanted guests.Stress sitting on your chest like a 50-pound weight.
And right in the middle of that chaos… you f...
Nov 30, 2025
behavior changes
emotional spending
retail therapy
6 Ways Gratitude Actually Changes Your Finances
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It’s Thanksgiving week for our U.S. readers, and I want to talk about something most people completely overlook when it comes to money.
Gratitude.
Not the cheesy “write three things in a journal” version.I’m talking about the kind of gratitude that rebuilds your mindset, slows your spending, a...
Nov 23, 2025
financial success
gratitude
personal finance
Why Saving Feels So Hard, And How To Finally Build a System That Sticks
Let’s talk about something almost everyone struggles with: saving money.
If you’ve ever said, “I’ll start saving when things calm down,” or “Once I make a little more, then I’ll save”, I’ve got some tough news. That “perfect moment” never magically appears. There’s always going to be something c...
Nov 16, 2025
emergency fund
saving
saving tips
7 Tips to Avoid the Thanksgiving Hangover
Thanksgiving is one of our favorite times of year. Family, food, football, and a few days to slow down.
But for a lot of families, it’s also when spending starts to spiral. Between travel, hosting, groceries, and “just one more thing” for the table, it’s easy to blow through hundreds of dollars ...
Nov 09, 2025
holiday planning
thanksgiving
The Truth About Getting Out of Debt
Here’s a truth that most of us don’t want to admit: paying off debt isn’t really a numbers game. Sure, you need the numbers, but the bigger fight happens in your habits, your mind, and your consistency.
If it were just about math, everyone with a calculator would be debt-free by now. But that’s ...
Nov 02, 2025
accountability
consistency
get out of debt
pay off debt
How to Stay Ahead When Everything Feels More Expensive
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If you’ve noticed your grocery bill creeping higher every week, you’re not imagining it. Prices are up, and for many families, it’s getting harder to make the paycheck stretch.
"I’ve been there. When we were buried in debt, every extra $10 at the store felt like a gut punch."
The good news? ...
Oct 26, 2025
budgeting tips
cost of living
inflation help
save money
The 7-Day Money Reset Challenge
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If you’ve been feeling off track with your money lately, you’re not alone.
We all go through seasons where the budget falls apart, the spending creeps up, and it feels like the numbers aren’t adding up anymore. Maybe you’ve been hit with unexpected bills, or maybe life has just been busy and m...
Oct 19, 2025
budgeting help
debt free journey
financial freedom
money reset
Cold Weather, Warm Wallet: Energy-Saving Tips That Actually Work
Fall’s here. The leaves are turning. And pretty soon, that crisp breeze will remind you that your heating bill is about to stalk you.
Before that happens, let’s get ahead of it. Here’s the thing: energy is just another budget category. And just like your groceries, cell phone, or car payment, yo...
Oct 12, 2025
energy efficiency for beginners
energy saving tips
fall budgeting
home energy audit
how to save on heating bills
lowering utility bills
Don’t Get Spooked by Debt: Staying Strong During Fall Spending
Pumpkin spice, cozy sweaters, and fall festivals. It’s a season that makes you want to say “yes” to everything. But if you’re not careful, fall spending can sneak up on you like a haunted house jump scare. Between back-to-school bills, Halloween costumes, Thanksgiving prep, and those early Black...
Oct 05, 2025
budget
fall
spending plan